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| *Loan,banking and credit>>>homeowner insurance |
If you are a Do-It-Yourselfer homeowner, its poss. to invalidate your insurance coverage? |
does every single think need to be inspected? who maintains these records? where is the line drawn for each little improvement over time? You won't know until there is a claim that uncovers sub-standard, non-code, work. If your work is high- quality (I tend to over-design) the risk is low. If you construct something that is sub-code, and it is discovered by a house inspector for a future buyer, you may have a tough time selling the home without bringing it up to code. The safest thing to do is secure permits for improvements that require permits. The County typically maintains the records, but they only hang onto them for a limited number of years then dispose of them. It all comes down to the risk of sub-code work failing, an inspection discovery, or a claim whose investigation shows that sub-code work was to blame. Honestly, that just sounds like something you'd have to sit down and specifically ask your insurance agent... to be absolutely sure and to be able to get a good night's sleep. You may discover that only certain types of work must get approval or only projects above a certain dollar amount (like $2500). But, since I don't know what insurance company you get your policy through, or what type of policy you have, I couldn't fairly get much more specific than that. Hope you find out what you're looking for. Not as long as everything is done according to building codes. If you're in doubt, check with your cities building inspection department. |
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